Business Relationship Manager

Position Title: Business Relationship Manager

Department: Commercial Services

Reports To: Director of Commercial and Treasury Services - Louisville

General Summary/Purpose: The Business Relationship Manager is a Brand Ambassador whose role is to cultivate, develop, and nurture business banking relationships primarily with companies that have an overall credit need of less than $500,000. The BRM should have a keen understanding of all business loan products and business deposit/treasury management services offered by the Bank to be able to open deposit accounts to serve the entire business relationship including working with Treasury Management team to expand services. This individual is expected to provide outstanding customer service to our clients by offering solutions to match the customer’s needs, understanding that these interactions should foster relationships that are meaningful and lifelong. They must be able to review financial statements, spread, and underwrite loan requests to get loans through approval, closing, and booking. This role needs to act with a sense of urgency to client requests and be able to handle a large volume of calls and client contacts daily with fast turnaround times. BRM is responsible for being the team expert in understanding and working with guaranty programs offered through the Small Business Administration and recommending such partnerships with credits that warrant this level of additional support; working closely with our in-house SBA document specialist to package loan requests for approval as well as collaborate with other RMs with SBA opportunities. BRM will serve as the Bank’s Business liaison to build relationships with other business development and economic entities and partners to help advise entrepreneurs and business owners with navigating business plans, entity setup advice, etc. The BRM should have a good working relationship with other departments within the bank and collaborate regularly with our teammates in Treasury Management, Wealth Management, Residential Mortgage, Consumer and Retail.

Key Duties and Responsibilities

#1 Prospecting for new business. This involves identifying Percentage of time: 40%

businesses that don’t currently bank with Paducah Bank, researching

the prospect through avenues such as UCC filings with the KY SOS,

internet research and reviewing notes in our CRM system. Meeting with

business owners to discuss lending opportunities then analyzing,

underwriting, closing, and booking new loan and deposit opportunities.

#2 Collaboration with other teammates in Treasury Management, Percentage of time: 10%

Wealth Management, Residential Mortgage, Consumer Relationship

Managers, and our retail branches to expand existing relationships

and identify new ones.

#3 Manage, retain and grow existing relationships. This involves Percentage of time: 40%

gathering and analyzing financial information, underwriting new

requests, and reviewing relationships to identify opportunities for

additional business. Analyzing and underwriting renewals for existing portfolio.

Managing portfolio operational issues such as collateral or documentation

exception resolution, financial statement tracking, delinquency, etc.

#4 Community involvement. The BRM is encouraged to serve the Percentage of time: 10%

community by serving on outside Boards, volunteering to help

non-profit agencies, and involvement in worthwhile community

sponsored events. Also act as brand ambassador of Business

Development for our team.

Education, Training and Skills Required

(Identify the minimum required to perform the duties and responsibilities.)

____ Limited training normally acquired through high school education

____ Specialized education/training normally acquired through up to 18 months’ of higher education

_X__ Education/training equivalent to an Associates’ Degree

____ Education/training equivalent to a Bachelors’ Degree (Business, Finance or Accounting majors preferred)

____ Education/training equivalent to a Masters’ Degree

____ Advanced education/training in a recognized field of specialization, e.g. CPA, MBA

_X__ Other (please specify): Banking schools, lending schools, workshops; must have good written and verbal communication skills; must have solid analytical abilities, understanding of risk and risk-based pricing, and good negotiation skills.

Experience Required

(Identify the minimum required to perform the duties and responsibilities as well as the type of experience required, i.e. customer service, accounting, etc.)

____ None

____ Three months to one year

_X__ More than one year, fewer than three years

____ More than three years, fewer than five years

____ More than five years, fewer than eight years

____ More than eight years